Long Term Care

Long-term health care is a phrase which is used to
describe a variety of services in the area of health, personal
care, and social needs of persons who are chronically ill, infirm,
or suffer from a cognitive disorder such asAlzheimer's disease.

Many people perceive long term care as simply the care received
at a nursing home. Long term care is actually many services that
enable an individual to maintain a certain level of quality of
life.

These types of services might include:

Help with daily activities such as bathing and
dressing

Respite care

Home health care

Adult day care

Or care in a nursing home

Nationally, nursing homes average
$36,000 per year and costs in metropolitan areas
like Washington, D.C. range from $50,000-$70,000 per
year.

An American Health Care Association Study
published in 1993 reported that if you received skilled
nursing care in your home, by a nurse three times a week
(two hours each visit) the bill would be about $12,300 per
year.

Care received from a home health aid
three times a week for a year with each visit lasting two hours
would result in a bill of about $8400 per
year.

Does Medicare cover any long term care?

Long term care expenses are generally not
paid for by Medicare, Medicare supplement insurance, or major
medical health insurance provided by most employers.

Medicare does not pay for
personal or custodial care unless the assistance
is related to an injury or illness. Even in this instance benefits
are severely restrictive.

Do I really need long term
care?

Recent studies based upon nursing home admissions,
indicate that 43% of all persons aged 65 and over will enter a
nursing home in the future. In fact, a New England Journal of
Medicine report (February 1991) suggested that of the 43% who
enter nursing homes, 50% would stay an average of two
years.

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happy to discuss the various options available to
you.

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